GENERAL INSURANCE BLOG

Multiple studies claim that the paint of your home plays a significant impact on your mood. When your eyes connect with various shades, your brain automatically releases different chemicals that enhance your mood.

Colour therapy plays a vital role in the healing process by making you more expressive and lively. For example, if your walls have dull tones, you will likely feel lazy, sleepy, or tired. Similarly, bright shades bring a freshness that cheers you up by making you feel energetic.

This blog will list how different colours used in your home can impact you and make your home feel alive.

1. Red for high energy and power:
Red signifies power and energy within you. Although a dark red would look awful on your wall, a lighter shade can signal courage, strength and promote alertness.

2. Lilac for calmness and relaxation:
Painting your room with a lilac shade will help you feel calm and relaxed. Imagine waking up with a feeling of peace and positive vibes surrounding you. It will mark the start of perfect daily mornings. That’s the power of Lilac!

3. Light green for positive energy:
Light green depicts the shade of nature and symbolizes peace, balance, refreshment, and reduces stress levels. Shades of green can go a long way to help you feel relaxed and stress-free.

4. Pink for happiness:
Pink is highly recommended for bringing a feeling of happiness and joy. You can paint your room pink, indicating the positive energy around. However, pink carries a misconception that it belongs to girls. But that’s not entirely true. Pink is a vibrant colour and has shades that are considered gender-neutral.

5. Cheer up your mood with yellow:
Yellow is widely known for its cheerfulness, simplicity, and elegance. Even though yellow may not be an ideal choice for many people, you can use it to paint your cabinets and other furniture attachments in the kitchen to add a bit of spring. Now imagine waking up to make your coffee and feeling enchanting around!

6. Violet for increasing artistic ability:
Violet stimulates our brain’s problem-solving capacity and promotes artistic ability. Both teenagers and adults prefer violet for its calming, creative promotion, and deep feeling. However, note that overusing a colour may result in suppressing emotions and feeling insecure. So when choosing violet, ensure limiting the quantity.

7. Blue for rest:
The colour of the sea and sky promotes a feeling of renewal. Curling up in your bed with a beautiful blue shade around your room can help in eliminating insomnia and induce deep sleep. Blue is usually known as “cool colour”, making you feel rejoiced and relieved.

8. Warmth of orange:
Orange promotes joyfulness, cheerfulness and invokes feeling emotionally intense. For relationship building and encouraging interaction, orange can be a perfect fit for your bedroom.

Wrapping Up!
“Colour is a power which directly influences the soul” – this insightful quote of Wassily Kandinsky depicts how different colours reflect on our day-to-day life. Happy, calm, cheerful, or motivated? You’ve got a handful of options of the colour pallet to select for your home.

While the colour of your home can affect your mood, it is essential to coordinate other aspects too. Along with appearance, it is also essential to cater to the security of your home. The gleam of beautiful walls and attractive ambience can be an open invitation to the thieves. So instead of worrying, relax and get a shade of home insurance for your home to make it secure.

Click HERE to know more about the home insurance plans that best fit your requirements.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Home insurance is one of the most common insurance that people buy, but most of the buyers do not know about the complete limitations and benefits of such insurance policies. There are certain myths related to home insurance policies that are still prevailing in people’s minds. You can find a person buying the best home insurance in India, but he/she will be under the myth that the insurance policy does not cover this or that. People need to properly read the offer and scheme related documents before they are deciding on buying any particular policy. Some of the myths that have been there in people’s minds for long periods have been debunked here: -

1 If the damage to the home is severe enough that it is beyond repair and you cannot live in it while it is being repaired or renovated, the insurance company will put you up in a hotel or a serviced apartment temporarily while the work is being done. This is true for some insurance plans but not all insurance plans and if loss-of-use is there, it will be clearly stated in the policy. People should not be under the myth that Loss-of-use is present in all policies else they will have to bear a huge financial burden of paying the hotel fees as well.

2.Many people believe that their belongings lost in the fire will be replaced with new ones if they have a policy. However, most of the policies do not have this clause. Instead, the losses are calculated by what the items were worth before they were lost in the fire. A four-year-old computer that you bought for Rs. 50,000 may be worth only Rs. 13,000 before the calamity and the insurance company will calculate the loss by counting the price of the computer as Rs. 13,000 and not the original price of Rs. 50,000.

3.Even the plan which may be the best home insurance in India may omit coverage against flood. Floods can occur due to several reasons, such as a storm, hurricane, ruptured pipes or drainage stoppages, or ruptured sewer backup but most of the times flood is not included in the policy. If you live in a flood-prone area, there are special flood policy packages offered by selected firms but in general, it is not included in a home insurance policy.

4.People generally believe that low premium means low insurance coverage, but this is not true. You can lower your premium in many ways without reducing your coverage if you take safety precautions of your own to protect your house. If you have security devices such as fire alarms or burglar alarms installed at your house, you can tell that to the insurance provider, and your premium can be lowered.

After the fire tragedy, some items are destroyed or damaged to such an extent that for the insurer, it could be challenging to identify for assigning the claim. So, as a responsible party, you ought to click as many pictures and shoot videos as possible of the damaged, smoked rooms to show the physical evidence of the actual damage before it gets wiped by a restoration company.

5.This is a myth that you need to be a homeowner to buy home insurance. You can very well buy home insurance for your belongings and contents of the house without being a homeowner. A tenant can purchase home insurance for his belongings and in case the tenant shifts; the policy can be approved for a change of address as well. Not only this, but the homeowner can also get home insurance for the structure of the rented accommodation or the house in which there are tenants living.

While buying even the best home insurance in India, you need to be careful and read all the documents for the policy carefully to understand what all things are included in the insurance and what all things are not included in the insurance. Different policies are accommodating different perils and you must choose the one that fits your requirements the best.

Climate change is the shift in the temperature and weather patterns over a long period. It affects the entire planet by causing abnormally cold conditions in some parts of the earth, while some areas witness extreme heatwave conditions. Some regions are experiencing long dry spells, while others are experiencing devastating floods.

Human activities are primarily responsible for the rapid climate change across the planet. Excessive burning of fossil fuels like oil and gas and irresponsible exploitation of natural resources result in climate change. If you wish to buy home insurance online India to deal with damages due to untimely incidents, here’s how this may directly impact you.

1. Increase in premium:
Some regions of the planet are witnessing a higher impact of climate change and increased natural disasters such as floods, wildfires, deep freeze, rise in sea level, etc., than others. Home insurance premiums have shot up at an alarming rate in such regions. It is becoming very costly for homeowners to buy home insurance online India policy in such areas.
This is logical as the risk of insuring houses in these places and the number of claims is rising. Hence, it is becoming financially unsustainable for insurers to provide insurance services at the prevailing rates. Home insurance premiums have increased by around 10%-12% on an annual basis. This rate varies and is even higher for houses in heavy disaster-prone areas.

2. Rise in the number of inhabitants:
Disaster-prone areas offer inexpensive land, which increases their demand. This results in the increasing population and limited availability of land in disaster-prone areas. However, houses in areas prone to flooding or nearby forests always have a higher risk.
Houses near a forest always pose a higher chance of starting a wildfire by accident. More house inhabitants mean more damage during severe flooding or other natural disasters. These factors influence home insurance policies, their terms and conditions, and premium in areas vulnerable to natural disasters.

3. Difficulty in getting home insurance:
Residents in regions that are witnessing disasters due to climate change are finding it difficult to get their homes insured easily. The probability of damage to their houses is very high because of the topography of their area. For example, rising sea levels due to climate change threaten the existence of dwellings close to the sea shores. Several cities in the world face the risk of extinction by submerging in seawater due to rising sea levels.
Insurers are not interested in insuring houses in such high-risk areas. This makes it difficult for people to get their homes insured, even after shelling out high premiums, which are often unaffordable for the middle & low-income strata. This increases the risk of complete financial ruin in the event of a natural disaster.

Abrupt climate change is catastrophic. It can cause extreme heat or cold conditions, floods and droughts, hurricanes, and tornadoes. Moreover, it can also result in biodiversity loss. Although climate change is inevitable, we can control the pace with which it changes. With the risk of abrupt climate change looming on our heads, the wisest decision in these times is to buy home insurance online India. Opt for comprehensive coverage against damages to the home structure and contents, loss due to short circuits, fire, floods, etc.

Click HERE to buy home insurance online India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Crowded places are a feast for pickpockets. They can easily pick our pockets while we move in cramped surroundings such as a busy market amidst the constant crowd nagging of people around us. Pickpockets do this so skillfully and swiftly that we are left unnoticed and outwitted. Losing our wallet can be frustrating, especially when it is loaded with important documents such as the driving licence, Aadhar card, voter id card, and even credit or debit cards. Moreover, the loss of money can be very harsh and painful for most of us.

So how can we deal with such situations? Here are some tips for outwitting pickpockets and staying safe in crowded places.

1. Move your wallet to your front pocket:
Never keep your wallet in the back pocket in crowded surroundings. Pickpockets can easily pick your back pocket, and you will hardly know it amidst the crowd. Therefore, use the front pocket of your trousers to keep your wallet. Outwit the pickpocket by keeping only those articles in the back pocket that are not very valuable.

2. Multiple wallets and pockets:
You can keep two wallets/handbags rather than just one. Keep your valuables and documents in a wallet in your front pocket or a handbag that you can keep close to you. Keep the lesser valuable products in the 2nd wallet in your back pocket. The pickpocket will be outwitted when he finds that he has taken away some useless items from your back pocket while your valuables are safe. Also, you can use multiple pockets in your bag to hide your valuables and divide your risk.

3. Do not show off:
Do not flash your expensive laptop, phone, jewellery, cash, camera, etc., in a crowded public place. Take them out only when it is necessary.

4. Lock your bags:
Carry small locks with you and lock your bag while moving in a crowded place. The pickpocket will not be able to open it in the middle of the crowd, and you will be safe.

5. Hidden pockets:
Nothing better than a hidden pocket in the front of your trousers or jeans. Pickpockets cannot reach there, no matter how much they try. Also, buy goodquality backpacks and purses with multiple hidden pockets and good build quality. The pickpocket will not be able to determine which pocket carries your valuables.

6. Disguise and hide:
Use smart hacks and disguises to outwit the pickpocket. If you need to carry valuable jewellery while going through a crowded place, hide them in your bag inside a small cardboard box. A ring can go inside a matchstick box. You can take a used burger box if you need a bigger box! Moreover, you can use a file folder to hide your laptop.

7. Carry your backpack facing the front:
While going through a crowded area or using local transport, pull the front portion of the backpack with the chain facing the front. This way, the pickpocket cannot open it from behind you.

These were some hacks you can use to outwit a pickpocket in a crowded place. Apart from these, simply go the digital way! Carry minimum possible documents with you in hard copy. Rather, carry them in soft copy format on your phone or laptop.

In case a pickpocket picks up your wallet, you lose all the important documents along with it. Do not let this happen to your bike insurance policy. Ditch those lengthy insurance papers. Buy the best bike insurance online and save yourself a fortune. You will save money on agent commissions and have a soft copy of the policy on your mobile phone. Overall, it’s a win-win situation for you and us as the insurance provider. The only loser, in this case, will be the pickpocket!

Click HERE to buy bike insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.